| Device including user exclusive data tag -> Monitor Keywords |
|
|
 
Device including user exclusive data tagDevice including user exclusive data tag description/claimsThe Patent Description & Claims data below is from USPTO Patent Application 20090271211, Device including user exclusive data tag. Brief Patent Description - Full Patent Description - Patent Application Claims
This application claims priority to and is a non-provisional of U.S. provisional patent application No. 61/048,814, filed on Apr. 29, 2008, which is incorporated herein by reference in its entirety for all purposes. A traditional payment process utilizing a bank issued payment card includes the reading of data from a contactless payment card in the form of track data. An authorization request message including the data from the contactless payment card is thereafter generated by an access device. This authorization request message is then sent to the issuer of the contactless payment card. Other transaction information including an indicator of the type of transaction (e.g., contactless) and the amount of the transaction is also included in the authorization request message. After the issuer receives the authorization request message, the issuer sends an authorization response message back to the merchant with an immediate authorization or decline of the transaction at the time of the purchase based on the issuer\'s rules for authorization. This is considered an on-line transaction. While traditional payment processes such as these are useful, improved services and improved functionality in the context of payment transactions would also be desirable. Embodiments of the invention address these and other problems, individually and collectively. Embodiments of the invention are directed to consumer devices, methods, and systems that use user exclusive data tags such as customer exclusive data tags in transactions such as purchase transactions. One embodiment of the invention is directed to a consumer device comprising: a body; and a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising user exclusive data, wherein the user exclusive data is configured to be transmitted in an authorization request message comprising the user exclusive data in a user exclusive data tag. Another embodiment of the invention is directed to a method comprising: receiving, at a server computer, an authorization request message comprising user exclusive data in a user exclusive data tag, wherein the user exclusive data was previously stored in a consumer device; analyzing the authorization request message; and performing additional processing based on the user exclusive data. Another embodiment of the invention a method comprising: obtaining a consumer device comprising a body, and a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising user exclusive data; and using the consumer device to interact with an access device, wherein the access device thereafter generates and sends an authorization request message comprising a user exclusive data tag comprising the user exclusive data to an issuer associated with the portable consumer device. Embodiments of the invention are directed to specific combinations of these different aspects, as well as specific embodiments related to those specific aspects. Continue reading about Device including user exclusive data tag... Full patent description for Device including user exclusive data tag Brief Patent Description - Full Patent Description - Patent Application Claims Click on the above for other options relating to this Device including user exclusive data tag patent application. Patent Applications in related categories: 20090281816 - Account abuse detection or prevention device, data collection device, and account abuse detection or prevention program - An account abuse detection device (6) includes an access-amount-related value information receiving unit (11) and a detection unit (12). The access-amount-related value information receiving unit (11) receives access-amount-related value information from a management device (3). The management device (3) manages a specific account. The specific account is used when transmitting ... 20090281816 - Account abuse detection or prevention device, data collection device, and account abuse detection or prevention program - An account abuse detection device (6) includes an access-amount-related value information receiving unit (11) and a detection unit (12). The access-amount-related value information receiving unit (11) receives access-amount-related value information from a management device (3). The management device (3) manages a specific account. The specific account is used when transmitting ... 20090281819 - Data driven component reputation - Various technologies and techniques are disclosed for observing the real-world performance of components and using the collected data to improve other user experiences. Configuration data, usage data, and user experience data are collected for components on observed solution instances. The configuration data, usage data, and user experience data are analyzed ... 20090281819 - Data driven component reputation - Various technologies and techniques are disclosed for observing the real-world performance of components and using the collected data to improve other user experiences. Configuration data, usage data, and user experience data are collected for components on observed solution instances. The configuration data, usage data, and user experience data are analyzed ... 20090281820 - Method and system to quantify performance of a power generating system - A method for quantifying performance of a power generating system is provided. The method includes empirically determining an actual relationship between input of an uncontrollable resource and power output of the power generating system. The method also includes determining a desired relationship between input of an uncontrollable resource and power ... 20090281820 - Method and system to quantify performance of a power generating system - A method for quantifying performance of a power generating system is provided. The method includes empirically determining an actual relationship between input of an uncontrollable resource and power output of the power generating system. The method also includes determining a desired relationship between input of an uncontrollable resource and power ... 20090281818 - Quality of service aware scheduling for composite web service workflows - A method of assigning web service requests to service providers includes searching for an optimal assignment from all possible assignments using a genetic algorithm (GA) that represents possible assignments as chromosomes, and converging towards an assignment of web service request to service providers that maximizes overall business value for all ... 20090281818 - Quality of service aware scheduling for composite web service workflows - A method of assigning web service requests to service providers includes searching for an optimal assignment from all possible assignments using a genetic algorithm (GA) that represents possible assignments as chromosomes, and converging towards an assignment of web service request to service providers that maximizes overall business value for all ... 20090281821 - Systems and methods for goal attainment in alumni giving - Systems and methods are provided for electronically correlating pre-graduation student interactions with one or more post-graduation alumni giving outcomes. The systems and methods comprise capturing pre-graduation student interaction data and capturing post-graduation student data. The systems and methods determine one or more post-graduation alumni giving outcomes from the captured post-graduation ... 20090281821 - Systems and methods for goal attainment in alumni giving - Systems and methods are provided for electronically correlating pre-graduation student interactions with one or more post-graduation alumni giving outcomes. The systems and methods comprise capturing pre-graduation student interaction data and capturing post-graduation student data. The systems and methods determine one or more post-graduation alumni giving outcomes from the captured post-graduation ... 20090281817 - Systems and methods for predicting wait time for service transactions - Systems and methods are provided to automatically predict wait times for customers to obtain service transactions at a service establishment, wherein wait times are estimated based on a combination of wait time values determined from current and historical service information that is collected, stored and processed over time. ... 20090281817 - Systems and methods for predicting wait time for service transactions - Systems and methods are provided to automatically predict wait times for customers to obtain service transactions at a service establishment, wherein wait times are estimated based on a combination of wait time values determined from current and historical service information that is collected, stored and processed over time. ... ###  How KEYWORD MONITOR works... a FREE service from FreshPatents1. Sign up (takes 30 seconds). 2. Fill in the keywords to be monitored. 3. Each week you receive an email with patent applications related to your keywords. Start now! - Receive info on patent apps like Device including user exclusive data tag or other areas of interest. ### Previous Patent Application: Automatic data transmission in response to content of electronic forms satisfying criteria Next Patent Application: Employee benefits management system Industry Class: Data processing: financial, business practice, management, or cost/price determination ### FreshPatents.com Support Thank you for viewing the Device including user exclusive data tag patent info. IP-related news and info Results in 2.14848 seconds Other interesting Feshpatents.com categories: Canon USA , Celera Genomics , Cephalon, Inc. , Cingular Wireless , Clorox , Colgate-Palmolive , Corning , Cymer , paws |
 * Protect your Inventions * US Patent Office filing 
PATENT INFO |
|
